Slightly related question here. Took out a SO mortgage a few years ago. Since then I have married and we both live in the SO home as our own, although house is technically in my name only. What would happen if either me self or my partner were to die? Would the mortgage protection just pay off the balance of the mortgage to give the house back to the council? Do Myself and my oh need to take out life insurance seperately to pay off the mortgage for the other person for the possibility of death of one party? Had never thought about it but, as I'm the higher earner, if I was to die my oh would never possibly sustain the mortgage on their own.